The Loan Note Agreement is a fundamental financial instrument used in Indonesian lending transactions to formalize debt obligations between parties. This document is essential when establishing a formal lending relationship, whether for corporate financing, project funding, or structured lending arrangements. It must comply with Indonesian banking regulations, including OJK requirements and the Indonesian Civil Code (KUHPerdata). The agreement typically details the loan amount, interest rate, repayment schedule, security arrangements (if any), events of default, and remedies available to the lender. It's particularly important in the Indonesian context due to specific local law requirements regarding language, form, and execution of loan documents. The agreement can be used for various purposes, from simple bilateral loans to complex syndicated facilities, and must often be executed in both English and Indonesian languages to ensure enforceability.
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1. Parties: Identifies and provides details of the Lender and Borrower, including their respective registration numbers and addresses
2. Background: Sets out the context of the loan agreement and the parties' intention to enter into the lending arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules of interpretation
4. The Loan: Specifies the principal amount, purpose of the loan, and conditions for disbursement
5. Interest: Details the interest rate, calculation method, and payment periods
6. Repayment: Specifies repayment schedule, method of payment, and prepayment provisions
7. Representations and Warranties: Sets out the statements of fact and assurances given by the Borrower
8. Covenants: Details the Borrower's ongoing obligations throughout the loan term
9. Events of Default: Lists circumstances that constitute default and the consequences thereof
10. Taxes: Addresses tax obligations and withholding requirements
11. Notices: Specifies how formal communications between parties should be made
12. Assignment and Transfer: Details whether and how the loan note can be transferred or assigned
13. Governing Law and Jurisdiction: Confirms Indonesian law as governing law and specifies jurisdiction for disputes
14. Miscellaneous: Contains standard boilerplate provisions including severability, entire agreement, and amendments
1. Security: Required if the loan is secured by any assets or guarantees
2. Guarantor Provisions: Required if there is a third-party guarantor for the loan
3. Currency Provisions: Required for loans involving foreign currency or multiple currencies
4. Insurance: Required if specific insurance coverage is mandatory for the borrower
5. Subordination: Required if the loan needs to be subordinated to other debt
6. Change of Control: Required if changes in borrower ownership/control affect the loan
7. Financial Covenants: Required for loans with specific financial performance requirements
8. Regulatory Compliance: Required for regulated borrowers or specific industry requirements
1. Schedule 1 - Loan Details: Contains detailed loan terms including amount, interest rate, and payment schedule
2. Schedule 2 - Conditions Precedent: Lists all documents and conditions required before loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization table showing payment dates and amounts
4. Schedule 4 - Form of Disbursement Request: Template for the Borrower to request loan disbursement
5. Schedule 5 - Security Details: Description of any security or collateral (if applicable)
6. Schedule 6 - Calculation of Interest: Detailed methodology for interest calculation
7. Schedule 7 - Form of Compliance Certificate: Template for periodic compliance reporting
8. Appendix A - Required Notices: Forms and templates for various notices under the agreement
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